Let the Truth be Told

I’m revealing it all now. I want everyone to know that I don’t have much money to spare and I’m trying very hard to make ends meet. I’m tapping on my reserves for my survival and soon it will be depleted. The truth is, I don’t know what to do with the savings I currently have. With interest so low these days, my money is losing its value. How can I invest in it to make it grow and work harder for me? How can I better utilize my savings to protect me and my family? How can I ever retire?

I began to take a look at some of these difficult questions when I started to tell the truth about my finances. I started by telling people around me that I’m trying to cut my expenditure and asked for suggestions. I’m cutting down on grocery spending to the necessities. I must tell you that it’s hard, especially when there are so many temptations at the supermarket. I’m looking for ways to cut down on phone and internet bills too. I’m checking to make sure that our utilities are kept to the minimum. That is difficult too, when the tariffs have just been revised upwards. There are many ways to trim and save that I found out.

However the best thing about telling the truth about my finances has got to be the sense of freedom I felt and the miracles that happened when I took charge of my financial well-being. I started calculating every single expense. I began to realize I’m over-spending and need to cut down. I realize that I need to stop using my credit cards to better track my finances. I’m even keeping my debit card at home so that I won’t be tempted to spend what I don’t have. I have started a separate bank account just for my expenses and bill, so that my savings will continue to grow in the other account. Even though it may be tough to reach my goals every month, I feel a sense of liberation that finally I know what is going on in my financial life. I feel really good about taking control of my money now before it is too late. It just feels great!

Some people believe that God will find a way for us, especially those who look for solutions to their problems. I was feeling a little insecure about staying home and not earning a fixed income. I knew I had to help my husband with the household expenditures. But when I started looking into my finances, a path seems to be laid out for me. I was very happy to clinch my first freelance writing assignment. You may call it luck or a miracle. To me, it is God’s way to tell me that I’m doing the right thing about my money and He is giving me more to manage. Another thing that came as a surprise revealed itself just yesterday. My sister works for a phone and internet service provider. My cell phone bill is currently under her staff rate scheme. She is quitting her job soon and I was worried that I would have to start paying for the full charges very soon. But she told me that I will continue to enjoy staff rate for the next two years. I can’t believe it. I am so grateful to God for all that He has given me. Like a saying goes, God always provide.

Once you tell the truth about your money, you will have better control over your finances that will free your mind and spirit. It will put you at ease, resulting in better financial decisions made. You will also be amazed at the little surprises that will come your way when you finally do tell the truth about and take charge of your financial well-being. So, let the truth be told!